Our approach

We were the first ever bank to have specialist agriculture managers who only look after farming businesses. We would like to think that we know at least as much about farming as we do about banking.

We're as local as you are, and more likely to be found walking the farm than behind a desk. Asking questions, advising and adding to our understanding of the unique pressures as well as the opportunities farmers are facing across the country.

We take great pride in our experience across all sectors of the industry - from intensive and extensive cropping to all types of livestock production, as well as protected crops and value added processes. We fully understand that each sector has a different cash cycle, and that every business is different.

We assess the viability of your business - because ensuring it successfully achieves its ambitions is its true worth, and your real security. Knowing the cash flow in your business is crucial for protecting your asset base both for you and the generations to come.

How we make an informed assessment of your business:

• We spend time with you on farm, listening to your needs and understanding the shape of your business
• We balance your objectives with the opportunity you have based on the resources at your disposal
• We analyse how you're applying those resources, and what you might do differently
• We can then anticipate the future trading performance of the business

On this basis we believe the strongest relationships are built. This is why we're proud that we've worked with so many of our customers over such a long period.

Find out how we’ve helped the Morgans, pig farmers in East Yorkshire, grow their business.